Tuesday, February 25, 2014

Being Debt... Free.

So, I went online to check out my credit score and I got a "low" grade, being just shy of 700, a good auto insurance score of 864, and a good home insurance score over 850.

First of all... I didn't know there was an auto insurance and home insurance score.  And second of all... I don't care that I've got a low grade... I smiled bigger than you could believe when I looked down their report and saw:
·         Open credit card accounts: 0. 
·         Open auto loans: 0. 
·         Open home loans: 0.
·         Open other loans: 0. 

On my report card they gave me a "C" for my total accounts, but my grading system is a little different than theirs.  I think having no debt is a good thing.  Being debt-free is something to be proud of. 

I used to live on credit cards, car and mortgage loans, and student loans... and it made me a slave to the world's system. I worked hard and sacrificed a lot of wants, desires, and dreams to get free from all that debt - and right now all I have to worry about is surviving from day to day with providing for my basic necessities.

I liquidated a lot of "things" to be free, and gave up a lot of creature comforts… like driving a new car, monthly hair and nail appointments, seasonal shopping sprees, and buying what pleased the eye – to pay for later.  Now as I go forward, I work for what I want, chase what I desire, and sacrifice for what I dream.  A lot of times I have to say “no” to what pleases my eye, save up for months to do one special thing, or learn to hunt for bargains and sales. But, I now have a deep appreciation for the things I do get to enjoy.  My priorities changed… and adventures, not stuff, make me happy.

Being debt free didn't make it so I didn't have to work just as hard as the next guy.  We ALL have to work hard, and those who think they don’t have to work and have everything given to them, shame on them and their selfishness.  They're not free; they just often don’t realize it.  Nothing is free. But, the difference in the feeling of working by choice and working by force is something I can't express in words.

I hope I’m able to continue to be free. I’m finding just trying to provide the basic necessities of survival hard in and of itself.  I didn’t mind giving up that freedom for a time when I had a family to take care of, but it’s just me now.  I don’t have to be sensible, I can take chances.  Who knows the adventure that waits for me? 
Yeah, yeah, yeah… In my mind’s eye I can see all the Practical Sam’s out there pointing their fingers at me and lecturing me on responsibilities, duties, and retirement plans. I know I can fail miserably and end up in a homeless shelter… but I could also fly.

While the credit companies give me a "C"... I give me wings.

Till next time,
~T.L. Gray

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